Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Bayshore Mortgage Funding
Bayshore Mortgage Funding
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
70
+45.8% vs 2024Originations
$13.6M
Loans x average loanAverage loan
$194,429
Average interest rate
6.79%
Denial rate
9%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 107 | 70 | $13.6M | $194,429 | 6.79% | 9% | 0% |
| 2024 | 73 | 48 | $8.5M | $176,458 | 6.82% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| OR | 25 | $5.2M | $208,200 | 6.85% | 3% | 0% |
| FL | 19 | $3.4M | $179,737 | 6.6% | 4% | 0% |
| NC | 7 | $1.5M | $207,857 | 6.57% | 11% | 0% |
| LA | 5 | $435,000 | $87,000 | 7.72% | 0% | 0% |
| TX | 3 | $375,000 | $125,000 | 6.79% | 0% | 0% |
| KY | 3 | $565,000 | $188,333 | 6.75% | 0% | 0% |
| IN | 2 | $540,000 | $270,000 | 7% | 0% | 0% |
| MD | 1 | $305,000 | $305,000 | 6.88% | 0% | 0% |
| KS | 1 | $345,000 | $345,000 | 6.5% | 0% | 0% |
| PA | 1 | $315,000 | $315,000 | 6.75% | 0% | 0% |
| SC | 1 | $255,000 | $255,000 | 6.63% | 50% | 0% |
| AR | 1 | $165,000 | $165,000 | 6.5% | 0% | 0% |
| AZ | 1 | $235,000 | $235,000 | 6.25% | 50% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.